Quality Tradesmen that won't break the bank
If your boiler breaks down due to fault or old age it can leave you in the lurch, particularly if you know you don’t have the money on hand to pay for a new one. New boilers are estimated to cost between £1,500-£3,000 which is not a small amount of money.
Purchasing a boiler on finance has become one of the norms when it comes to shopping for new boilers. This method allows you to spread the cost of the boiler over monthly repayments for an agreed-upon number of years.
If you’ve been struggling with an old or broken boiler, one of the options you can consider when it comes to replacing it is purchasing your new boiler on finance.
Purchasing a boiler on finance means you don’t have to have the total cost for the boiler in hand – you can spread the cost over a series of months.
Deciding to buy any product on finance can come with its risks, so it’s a good idea to do some swotting up on the best deals on the market when it comes to boilers on finance.
Many retired homeowners have lived in their current homes for many years. If you are a retired homeowner, it could be that you bought your house while your children were small and now they are grown-up with their own children.
This might be the ideal time to think about modernising your home or making it more accessible for the future.
Maybe you want to convert the garage into a bedroom, replace the kitchen and bathroom, or knock down some walls and create a larger living space.
Are you thinking about doing some home improvements? Perhaps you need to update your kitchen or your bathroom?
Maybe you want to put in new windows and doors, or want to convert your loft or basement to create more space.
A new kitchen, on average costs around £8,000. An average bathroom installation can cost between £2,750 and £6,500.
If you want a loft conversion then (depending on the size of the loft), you can spend between £21,00 and £44,000.
A basement conversion can cost between £20,000 and £113,000.
Evolution Money takes the time to look into each loan application individually and wants to get to know their customers and their circumstances.
They strive to provide:
Evolution Money doesn’t rely on automated credit scores. Instead, their advisors take a look at the customer and their lives, not their credit history or the amount of equity in their homes.
Central Trust has over 30 years of experience providing loans secured against homes. These loans allow their customers to use their property as security against the amount they borrow, giving them access to the money they need in the case that other lenders may have turned them down.
Central bank looks at every application sent to them on an individual basis and ensure that they understand the applicant’s situation. This allows them to be more flexible in approving loans than other loan companies.
Central Trust provides secured loans for homeowners from £3,000 up to £25,000 over three to 25 years.
Norton Finance has been operating for over 40 years and helps people turned down by high street lenders. They offer their customers a dedicated account manager and 24/7 call service in case of problems.
Norton Finance acts a little like a comparison site, except they handle the entirety of the application process.
Norton Finance is a member of a number of official industry bodies, including the Association of Mortgage Intermediaries (AMI) and the Association of Finance Brokers (AFB), and is authorised and regulated by the Financial Conduct Authority (FCA).
Oplo started in 2009 to create a ‘financially fair’ way to borrow and work with people to make sure they find the best loan for them.
Oplo is a member of the FLA (Finance and Leasing Association) and subscribe to its lending code.
Oplo offers their customers the opportunity to borrow between £5,000 to £100,000 with their secured home loans. This loan is secured on their customer’s property and is also called a second charge mortgage or mortgage loan.
Step One Finance was established in 2010 and aim to consider traditional lending in their business. Their team of qualified professionals consider customers’ applications carefully and personally.
They are authorised and regulated by the Financial Conduct Authority and are also members of the Finance & Leasing Association (FLA).
They operate by business principles that are realistic, deliverable and, believable. They have four core business principles:
A Step One mortgage loan is also known as a secured loan or a second mortgage loan. Step One Finance aims to lend for lots of different reasons to give their customers the most opportunity to get a loan.
Together offer a range of mortgage and secured loan products to a range of people and businesses. Together ensure they know their customers lives and circumstances when assessing applications for loans.
An underwriter makes the final decision on any applications and works with anyone who needs to borrow or take out a loan, whether it’s for them, their business or their clients.
Together Personal Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA).
A secured loan from Together may offer a lower interest rate than unsecured lending – including things like credit cards and hire purchase agreements.
Shawbrook Bank is a specialist UK savings and lending bank founded in 2011. Shawbrook operates in a range of markets including savings, business finance, property finance and personal loans.
Shawbrook Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
A second charge mortgage – also known as a secured loan – is a good option for customers who’d like to borrow money without re-mortgaging their home. This type of loan is secured against the customer’s property and can be used for a variety of purposes.
Optimum Credit was founded in 2014 and provide second charge mortgages for homeowners in England, Wales and Scotland. Optimum Credit offers a range of variable, fixed and discounted second charge mortgages.
They aim to offer competitive, fixed, discounted and variable rate loans, though the actual rate offered to each customer will depend on their individual and personal circumstances.
Optimum Credit is a member of the Finance and Leasing Association and follows its Lending Code.
As a responsible lender, Optimum Credit will only lend to customers who they believe have the ability to repay the loan.
West One is a provider of specialist mortgages and property finance. They help homeowners, landlords and property investors with their financial goals.
Established by intermediaries, borrowers and property professionals since 2005.
West One offers a comprehensive range of products including both residential and buy-to-let second charge mortgages.
Their Second Charge Mortgages are available through mortgage intermediaries only.
West One’s aim is to provide second charge mortgage options to a wide range of borrowers including those who may have not have the perfect credit score like some other borrowers.
Paragon Bank PLC was founded in 1985 and is part of the FTSE 250. They are a specialist lender and savings bank.
They have eight essential values that guide how they work and operate to let their customers know what to expect from the business they do with Paragon Bank and the service they receive from them.
These values are:
Likely Loans provide transparent and fair loans with no surprises, intending to simplify borrowing and was launched in 2014.
Their goal is to help people, and others, with their borrowing needs. Likely Loans are authorised and regulated by the Financial Conduct Authority.
Likely Loans provide a simple online application that lets their customers know if they’re eligible for a loan before they apply. Their credit score isn’t affected.
Open Banking is used to ensure that the customer is applying for something affordable.
Cashflow offers personal loans between £1,000 and £2,500 over a term of six or nine months. You can use the loan to go towards finance for:
If you need to finance a personal or home improvement project, click here to compare loans!
Click To Get QuotesBorrow £1,200.
Repay £226.33 a month for nine months.
Metro Bank was founded in 2010. When it launched it was the first new high street bank to open in over 150 years. It serves individuals and businesses.
Today they have 77 stores across the UK. Their head office is in Central London.
Metro offers personal loans between £1,000 and £35,000 over a term of 1 to 5 years. You can use the loan to pay for:
Borrow £10,000.
In 2005 Zopa built the first-ever peer-to-peer lending company to give people access to good value loans and investments. In June 2020 they launched Zopa bank. Their registered office is in London.
You can borrow between £1,000 and £25,000 between 12 and 60 months for a home improvement loan.
If you need to finance your home improvement project, click here to compare loans.
You can borrow money using an unsecured car loan. This loan has the same terms as a personal loan.
The AA started life in 1905 as a group of cyclists who would patrol the Brighton Road in London to warn drivers who were speeding to slow down. Soon there were cycle patrols on other roads stopping drivers who were travelling at more than 20mph.
The Automobile Association grew from there and by 1929 the club had 725,000 members and there were 2 million cars on the road.
Eventually, the AA founded the financial services branch and in 2004 they opened the AA Telephone Savings Account.
Now the AA offers personal loans, savings, home and car insurance and breakdown cover in partnership with Bank of Ireland UK.
Monzo is an online bank that was founded in 2015. It has offices in London and Cardiff.
It has steadily grown in popularity and now has customers throughout the UK and in the USA. Customers manage their accounts by using the Monzo mobile app.
Click here to compare loans for your home improvement project!
Click To Get QuotesMonzo offers personal unsecured loans. You apply through their app and you will get a reply in minutes.
If you want to repay the loan early, there are no early repayment charges.
Marks and Spencer Bank was set up in 2012 to expand Marks and Spencer Financial Services which was founded in 1985.
Although Marks and Spencer has its own banking licence and board, it works in partnership with HSBC.
Marks and Spencer offer loans for:
All Marks and Spencer personal loans are for amounts between £1,000 and £25,000. Repayment terms are over 12 to 84 months on loans between £1,000 and £20,000 and 12 to 60 months on loans between £21,001 and £25,000.
You can borrow between £1,000 and £25,000 between 12 and 60 months for a home improvement loan or any of the following loans:
If you need finance for your home improvement project, click here to compare loans.
Click To Get QuotesIf you want to buy a new or second-hand car you can apply for a car loan from ASDA with up to five years to repay the amount your borrow.
Admiral was founded in 1993 as a company specialising in car insurance. They grew steadily and now have businesses that include personal finance, travel and home insurance.
Their UK headquarters is in South Wales and they also have offices in Delhi, India and Halifax, Canada.
You can borrow between £1,000 and £25,000 between 12 and 60 months for a home improvement loan.
If you need finance for your home improvement loan, click here to compare loans and let us help!